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Lima One Capital

Lima One Capital is a nationwide private real estate lender that provides business-purpose financing for residential real estate investors. The company specializes in fix-and-flip, bridge, rental (DSCR), and new construction loans, and is backed by MFA Financial, a publicly traded REIT.

Nationwide Direct Private Lender for Real Estate Investors

If you’re an investor in residential real estate doing fix-and-flips, building homes, accumulating an income producing rental portfolio or even tackling larger multifamily projects, we have your back in all that we do.

Lima One Capital aims to reduce the friction that real estate investors DON’T need in their life.  We keep everything in house so that we can deliver a unique lending experience: underwriting, appraisals, construction management, draw requests, loan servicing are all conducted with best-in-class customer service.

Common Loan Scenarios
  • Residential & Multifamily Properties
  • Bridge, Construction, Rehab, Rental
  • LTC up to 92.5% for Residential Rehabs
  • Purchase Bridge Loans up to 80% LTP
Scenarios Not Considered
  • Owner-Occupied Homes
  • 100% Financing
  • Land Loans
  • Rural Locations

Details and Requirements

Property Geographic Area Details

Nationwide except AK, ND, SD, VT

Loan Amounts

$75,000 to $20,000,000

Interest Rates

6.25% to 12.1%

Origination Fees

0.25% to 2.5%

Loan Terms

13 to 360 months

Lien Position

1st

Credit Check Required

yes

Credit Check Details

Minimum 660FICO score required for short-term loans.

Minimum Credit Score Required

660

Prepayment Penalty

yes

Prepayment Penalty Details

Multiple options.

Typical Closing Time (Days)

21

Fastest Closing Time (Days)

7

Payment Structure
  • Interest Only
  • Amortized
Personal Guaranty (Recourse) Required
Sometimes
Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Documentation Required
  • Credit Report
  • Bank Statements
Appraisal Required for Residential Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Equity Joint Venture

no

Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Use Equity to Invest in Another Property
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial

Last updated: September 27, 2026

Lima One Capital’s Lending Activity
Data Provided By Elementix
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12mo Loan Volume

$976,935,076

12mo Loan Count

2,232

Total Loan Volume

$12,471,775,153

Average Loan Size

$346,332

Loan Count by State (Past 12 Months)
FL: 440, GA: 302, TX: 178, NC: 266, OH: 292, SC: 149, CA: 45, IL: 206, NJ: 158, PA: 196
Data provided by Elementix | Disclaimer

Company Quick Facts

  • Year Established: 2010
  • Headquarters: Greenville, South Carolina
  • Additional Offices: Irvine, California and Charlotte, North Carolina
  • Company Type: Private balance sheet lender focused on business-purpose real estate loans
  • Parent Company: Backed by MFA Financial, Inc. (NYSE: MFA)
  • Primary Customers: Residential real estate investors, builders, and mortgage brokers
  • Geographic Focus: Nationwide lending across 46 U.S. states (excluding Alaska and Puerto Rico)
  • Loan Types: Fix-and-Flip Loans, Bridge Loans, DSCR Rental Loans, Portfolio Rental Loans, Short-Term Rental Loans, New Construction Loans, Build-to-Rent Financing
  • Property Types: Single-family homes, warrantable condominiums, 2–9 unit multifamily properties, and residential new construction projects
  • Lending Strategy: Business-purpose financing for acquisition, renovation, construction, rental portfolio growth, and refinancing
  • Funding Volume: More than $10 billion funded across 30,000+ closed loans
  • Capital Model: Direct lender with institutional capital support through MFA Financial
  • Distinguishing Characteristics: In-house underwriting, flexible DSCR rental programs, Bridge Plus financing, and Build2Rent® and Fix2Rent® loan programs

Arizona Mortgage Banker License #0949706 / Florida Mortgage Servicer License # MLD1662 / Idaho Mortgage Broker/Lender License # MBL-2081324403/ Minnesota Residential Mortgage Originator License # MN-MO-1324403/ Nevada Mortgage Company License #5304/ Oregon Mortgage Lender License # ML-5397/ Utah-DRE Mortgage Entity License # 11755492 / Licensed as a California Finance Lender under the Department of Business Oversight License #60DBO-45834.

Office Locations

Lima One Capital Headquarters
300 East McBee Ave. Suite 200, Greenville, South Carolina 29601

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Info Our minimum loan amount is $75,000

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